Mutual Trust Bank Past Earnings Performance
Past criteria checks 4/6
Mutual Trust Bank has been growing earnings at an average annual rate of 16.7%, while the Banks industry saw earnings growing at 3.9% annually. Revenues have been growing at an average rate of 10.1% per year. Mutual Trust Bank's return on equity is 10.1%, and it has net margins of 24.5%.
Key information
16.75%
Earnings growth rate
16.75%
EPS growth rate
| Banks Industry Growth | 8.47% |
| Revenue growth rate | 10.05% |
| Return on equity | 10.15% |
| Net Margin | 24.49% |
| Last Earnings Update | 30 Sep 2025 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How Mutual Trust Bank makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 25 | 12,936 | 3,167 | 8,502 | 0 |
| 30 Jun 25 | 15,360 | 3,191 | 8,342 | 0 |
| 31 Mar 25 | 16,165 | 3,252 | 8,634 | 0 |
| 31 Dec 24 | 15,706 | 3,167 | 8,256 | 0 |
| 30 Sep 24 | 14,545 | 2,990 | 8,275 | 0 |
| 30 Jun 24 | 13,681 | 2,917 | 7,943 | 0 |
| 31 Mar 24 | 13,141 | 2,953 | 7,112 | 0 |
| 31 Dec 23 | 13,017 | 2,860 | 6,778 | 0 |
| 30 Sep 23 | 12,665 | 2,043 | 6,601 | 0 |
| 30 Jun 23 | 12,636 | 2,111 | 6,340 | 0 |
| 31 Mar 23 | 12,441 | 2,407 | 6,221 | 0 |
| 31 Dec 22 | 11,832 | 2,369 | 6,157 | 0 |
| 30 Sep 22 | 13,650 | 4,232 | 6,476 | 0 |
| 30 Jun 22 | 12,716 | 3,436 | 6,187 | 0 |
| 31 Mar 22 | 11,675 | 3,005 | 5,887 | 0 |
| 31 Dec 21 | 11,518 | 2,973 | 5,575 | 0 |
| 30 Sep 21 | 9,781 | 701 | 5,113 | 0 |
| 30 Jun 21 | 9,262 | 756 | 5,049 | 0 |
| 31 Mar 21 | 9,065 | 1,038 | 5,025 | 0 |
| 31 Dec 20 | 8,843 | 970 | 5,022 | 0 |
| 30 Sep 20 | 9,517 | 1,347 | 5,118 | 0 |
| 30 Jun 20 | 9,565 | 1,526 | 5,109 | 0 |
| 31 Mar 20 | 9,631 | 1,452 | 5,035 | 0 |
| 31 Dec 19 | 9,239 | 1,338 | 4,639 | 0 |
| 30 Sep 19 | 8,233 | 1,814 | 4,470 | 0 |
| 30 Jun 19 | 7,884 | 1,762 | 4,201 | 0 |
| 31 Mar 19 | 7,789 | 1,784 | 4,137 | 0 |
| 31 Dec 18 | 7,495 | 1,734 | 4,040 | 0 |
| 30 Sep 18 | 7,866 | 2,650 | 3,923 | 0 |
| 30 Jun 18 | 7,729 | 2,431 | 3,853 | 0 |
| 31 Mar 18 | 7,172 | 2,059 | 3,714 | 0 |
| 31 Dec 17 | 6,978 | 1,980 | 3,644 | 0 |
| 30 Sep 17 | 6,494 | 983 | 3,503 | 0 |
| 30 Jun 17 | 6,597 | 1,246 | 3,450 | 0 |
| 31 Mar 17 | 6,689 | 1,430 | 3,429 | 0 |
| 31 Dec 16 | 6,679 | 1,464 | 3,368 | 0 |
| 30 Sep 16 | 6,560 | 1,418 | 3,386 | 0 |
| 30 Jun 16 | 6,539 | 1,506 | 3,319 | 0 |
| 31 Mar 16 | 6,317 | 1,442 | 3,168 | 0 |
| 31 Dec 15 | 6,051 | 1,366 | 3,061 | 0 |
| 30 Sep 15 | 5,924 | 1,309 | 2,917 | 0 |
| 30 Jun 15 | 5,515 | 1,092 | 2,763 | 0 |
| 31 Mar 15 | 5,291 | 1,026 | 2,622 | 0 |
Quality Earnings: MTB has high quality earnings.
Growing Profit Margin: MTB's current net profit margins (24.5%) are higher than last year (20.6%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: MTB's earnings have grown by 16.7% per year over the past 5 years.
Accelerating Growth: MTB's earnings growth over the past year (5.9%) is below its 5-year average (16.7% per year).
Earnings vs Industry: MTB earnings growth over the past year (5.9%) exceeded the Banks industry -13.9%.
Return on Equity
High ROE: MTB's Return on Equity (10.1%) is considered low.
Return on Assets
Return on Capital Employed
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/01/18 21:46 |
| End of Day Share Price | 2026/01/18 00:00 |
| Earnings | 2025/09/30 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Mutual Trust Bank PLC. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.